Takeshi Kunibe) signed a
memorandum of understanding (MOU) on business cooperation on July 29, 2014,
with Financiera de DesarrolloNacional
S.A (FDN).

FDN, owned by the Colombian government through its
Ministry of Finance, was created in 2011 as a development bank with the
objective to manage and stimulate the financing and structuring of
infrastructure projects in Colombia. FDNfs immediate mission is to support the
U.S. Dollar 26 Billion fourth generation road concessions program (4G) through
services such as financing and advisory. FDN also supports other energy and
infrastructure projects in Colombia.

Under the MOU framework, SMBC and FDN may closely
exchange information, expertise, and personnel in order to develop the
countryfs finance structure and diversify finance sources not only in the 4G
project, but also in various key infrastructure projects that will be carried
out in the future. Through this MOU, SMBC will collaborate with FDN to offer
the highest level of value-added products and services to our clients and the
country.